Auto insurance coverage

Quote by phone

Need auto insurance?

Online quote

Basic coverage

These are the types of coverage to consider when you own and use a car.

Civil liability (mandatory)

Civil liability insurance covers you if you injure another person or cause damage to their property, or if you are involved in an accident that’s not your fault.

In Quebec, no matter how old your vehicle is, you are required by law to carry a minimum of $50,000 in civil liability insurance. However, $1–2 million is the recommended amount.1

1Chapter A

All perils except collision and upset

Covers damage to your vehicle not caused by collision or upset. It may include theft, fire, vandalism, broken windows and weather-related damage.

There is no deductible on windshield repairs.1

1Chapter B3

Collision and upset

Covers damage to your vehicle caused by a collision with another vehicle, object or animal, a rollover (whether or not you are at fault) or a hit and run.

There is no deductible if you are not at fault for the accident.1

1Chapter B2

Additional coverage

There are a number of options for customizing your coverage. Exclusive Automax coverage bundles together and upgrades a number of options.

Automax coverage

Automax is all-in-one coverage that bundles together and upgrades the most popular options.

Lost or stolen keys

If your keys are lost or stolen, you get up to $500 coverage on the replacement cost.

Travel expenses

In the event of a claim, you get a replacement vehicle while yours is being repaired. You are entitled to an allowance of up to $75 per day to a maximum of $2,000 for vehicle rentals.

You are entitled to a lump sum payment of up to $1,000 for additional travel, meal and accommodation expenses while your vehicle is being repaired.1

Individual insurance

Coverage of up to $15,000 for you and your spouse in the event of death or dismemberment.

Loaned or rented vehicles

Coverage of up to $15,000 for you and your spouse in the event of death or dismemberment.

Couverture des dommages lors d’emprunts ou de locations d’autos

Covers you in the event of theft or an accident when driving a rented vehicle or a vehicle borrowed from a friend in Canada and the U.S. It covers the cost of repairing or replacing the rented or borrowed vehicle up to a maximum of $75,000, meaning you don’t have to take out insurance from car rental agencies.2

No deductible

In the event of a hit and run or a total loss, you pay no deductible provided the accident is reported to the police within 24 hours.3

1Q.E.F. 20a2Q.E.F. 273Q.E.F. 41

Replacement cost

This coverage lets you get a new vehicle with the same features as your current vehicle in the event of an accident (total loss) or theft. It protects the value of your vehicle against depreciation.

In the event of partial loss, your vehicle will be repaired with new parts.1

1Q.E.F. 43A and 43E

Borrowed or rented vehicles

Covers you in the event of theft or an accident when driving a rented vehicle or a vehicle borrowed from a friend in Canada or the U.S. It covers the cost of repairing or replacing the rented or borrowed vehicle up to a maximum of $50,000. It means you don’t have to take out insurance from car rental agencies.

This coverage is also called “civil liability for damage caused to a vehicle for which the named insured is not the owner.”1

1Q.E.F. 27

Travel costs

In the event of a claim, this coverage provides you with a replacement vehicle while yours is being repaired. You are entitled to an allowance of up to $50 per day, to a maximum of $1,500 for vehicle rentals.

If the claim occurs during a trip, you are entitled to a lump-sum payment of up to $750 for additional travel, meal and accommodation costs.1

1Q.E.F. 20a

Individual insurance

Provides compensation of up to $15,000 for you or your spouse in the event of death or dismemberment caused by an automobile accident.1

1Q.E.F. 34

Roadside assistance

This coverage provides you with four service calls per year:

Battery boost

We boost your vehicle’s battery.

Door unlocking

If you lock your keys in your car, we will attempt to unlock the doors. If your keys are lost or broken or if we are unable to unlock the vehicle, we reimburse up to $100 for a locksmith. If the vehicle cannot be started, towing will be provided according to the terms of the program.

Flat tire change

In the event of a flat tire, we will install your vehicle’s spare tire. If there is no spare tire or it is not in good condition, towing will be provided according to the terms of the program.

Winching

We will winch vehicles that are stuck, provided they are accessible by public roads. If special equipment or more than one person or truck is required, additional fees may be charged.

Gas delivery

If you run out of gas, we will deliver 10 litres of gas free of charge to get you to the nearest gas station.

Towing if your vehicle breaks down

If your vehicle breaks down, we will tow it to any service station within a 25 km radius or to the nearest service station if there is not one within 25 km.

If your vehicle breaks down while towing a trailer that is less than 16 ft. in length for personal use, a trailer designed for transporting small goods or a tent-trailer that is less than 16 ft. in length, the trailer will also be towed, but additional fees may be charged for your trailer if it is loaded.

Roadside assistance outside Quebec

For all roadside assistance calls outside Quebec, you must contact the service provider then submit your claim for reimbursement. A reimbursement limit of CAN$100 per service received applies.

iA Auto and Home Insurance’s roadside assistance is available 24/7/365.